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Cap One PC Options

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credit_endurance
Valued Contributor

Cap One PC Options

Hello...

 

I currently have a QS One and Venture One. I've had my QS One for just about a year now, Started with $500 SL through credit steps went from

$500 to $1000 in 3 months then one month later $1,500 in which I currently stand. Went on a mini app spree last month and app'ed for Venture One

which I thought was a good combination. But after some thought dont see myself usng this card very much.

 

Questions I have is, Should I try for a PC upgrade to the non fee QS One? Or perhaps roll my current QS One into the Venture One or

PC my Venture One into my OS One?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 1 of 8
7 REPLIES 7
myjourney
Super Contributor

Re: Cap One PC Options

Try to PC to anything w/o an AF after combining limits 

Welcome to the forum 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 8
credit_endurance
Valued Contributor

Re: Cap One PC Options

Thanks for the warm welcome.

 

So I should wait on my QS One CLI which is due next month as well as wait until Venture One has matured to 6 month mark, combine limits then PC to QS NF?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 3 of 8
myjourney
Super Contributor

Re: Cap One PC Options


@credit_endurance wrote:

Thanks for the warm welcome.

 

So I should wait on my QS One CLI which is due next month as well as wait until Venture One has matured to 6 month mark, combine limits then PC to QS NF?


Yes that's what I would do 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 8
credit_endurance
Valued Contributor

Re: Cap One PC Options

Okay, sounds like a plan.

 

Any idea if Cap One gives Venture One CLI early perhaps? Only have had one statement cut with them so far

 

 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 5 of 8
myjourney
Super Contributor

Re: Cap One PC Options


@credit_endurance wrote:

Okay, sounds like a plan.

 

Any idea if Cap One gives Venture One CLI early perhaps? Only have had one statement cut with them so far

 

 


Well since Cap1 is always a SP you can always try at any time 

Certainly can't hurt 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 8
SunriseEarth
Moderator Emeritus

Re: Cap One PC Options


@credit_endurance wrote:

Hello...

 

I currently have a QS One and Venture One. I've had my QS One for just about a year now, Started with $500 SL through credit steps went from

$500 to $1000 in 3 months then one month later $1,500 in which I currently stand. Went on a mini app spree last month and app'ed for Venture One

which I thought was a good combination. But after some thought dont see myself usng this card very much.

 

Questions I have is, Should I try for a PC upgrade to the non fee QS One? Or perhaps roll my current QS One into the Venture One or

PC my Venture One into my OS One?


If you haven't paid the AF for QS1 yet, you should see if you can PC it to the regular QS.   You might already be able to PC your V1 to a QS, but you won't be able to combine it into your other card until it hits the 6 month mark.   I got a CLI on my V1 before my 3rd statement hit, so there's no harm in trying a CLI request.  



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Message 7 of 8
credit_endurance
Valued Contributor

Re: Cap One PC Options

From what I have gathered one or both accounts must be at zero before any PC could be considered is that true? By my venture only being a month old I didnt think it could be eligible for a PC

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 8 of 8
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